Investor Presentaiton
Glossary & Definitions
Total income
Total loan credit losses, impairments
and provisions
T2
Underlying basis
Write offs
Yoy
Bank of Cyprus Holdings
Total income comprises net interest income and non-interest income (as defined).
Group Financial Results for the year ended 31 December 2020
Total loan credit losses, impairments and provisions comprises loan credit losses (as defined), plus impairments of other financial and non-financial assets, plus provisions for litigation, claims,
regulatory and other matters.
Tier 2 Capital
This refers to the statutory basis after being adjusted for certain items as explained in the Basis of Presentation.
Loans together with the associated loan credit losses are written off when there is no realistic prospect of future recovery. Partial write-offs, including non-contractual write-offs, may occur when it is
considered that there is no realistic prospect for the recovery of the contractual cash flows. In addition, write-offs may reflect restructuring activity with customers and are part of the terms of the
agreement and subject to satisfactory performance.
Year on year change
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